AI voice agents for credit-card issuers

Yes. Outpero's AI voice agent handles credit-card issuers calls end to end — calling applicants within 30 seconds of a form drop-off and running KYC-completion and activation campaigns. It works 24 hours a day in Hindi, Telugu, Tamil, Marathi, Kannada, Malayalam and English, switching to English the moment the caller does.

For credit-card issuers, an Outpero AI employee will call applicants who abandoned the online application within 30 seconds and help them pick up where they left off; run campaigns reminding approved applicants to complete video KYC, with the link sent on WhatsApp; call new cardholders whose card is not yet activated and explain the OTP consent step; run pre-due payment reminders that state the minimum and total due from your list. Every call is recorded, transcribed and summarised automatically.

Outpero has no setup fee and no monthly base fee — you pay only for connected talk time, from ₹5 per minute (1 credit = ₹1, credits never expire), plus ₹649/month for a dedicated calling number. A full-time telecaller doing the same job costs around ₹18,000 a month, works one shift and handles one call at a time. Prices exclude 18% GST.

Under 30 seconds from the enquiry landing. That matters here because credit-card applications leak at every step: the online form is half-filled, video KYC is never completed, and approved cards sit unactivated. RBI's 2022 Master Direction on credit and debit cards requires issuers to seek OTP-based consent before activating a card not activated within 30 days of issue, and to close it if consent is not given. Every inactive card is wasted acquisition spend, and pushy sales calls draw complaints.

The Master Direction sets the activation rule — OTP-based consent after 30 days of non-activation — rather than the channel used to remind cardholders. A call can explain why activation matters and how the OTP consent works, but the consent itself is given through the issuer's OTP flow, not by saying yes to the agent. Have your compliance team approve the script and retain the recordings.

No. Approval, credit limit and card variant are decided by the issuer's underwriting, and the agent must not imply otherwise. It can explain the basics you provide — income criteria, documents needed, annual fee and waiver conditions — and help the applicant finish the remaining steps. Questions about rejection reasons or credit scores go to a human callback, which keeps the call within fair-practice expectations.

No, and the script should keep them separate. A pre-due reminder states the due date, minimum and total amount due and how to pay — a service call. Once an account is overdue, RBI's rules on recovery conduct apply: calls only between 8am and 7pm, no harassment, no disclosure to third parties. Many issuers keep the agent on pre-due and early reminders and leave later-stage collections to trained teams.

Call only people who applied, enquired or are existing cardholders who have not opted out — never purchased lists. Bulk campaigns screen against DND, the agent names the bank or partner it is calling for, and anyone who says they are not interested is marked so they are not called again. RBI prohibits issuing unsolicited cards, so the agent never offers to dispatch a card without a completed application.